^This. Very few 500 plaques would be needed (if at all), and a T20 will work fine for a T1-base tourney set.If you are really goi by to be doing tournaments a couple of times per year and play a 1/2 cash regularly just play a T1 base tournament.
Starting 1/2 blings with a 400 starting stack 200 times the starting big blind
10x1
8x5
6x25
2x100
Don’t even need a 500 could just color up with 25s and 100s if you want.
Then save your money and buy a separate tournament set
Or if you want/need 20s for game and cash play, get both 20s for board games/cash and get T25s for tourney play (and don't use the 100s for cash). That will drnatically improve tournament play (if using T5 base), while also helping protect and separate the two sets by not sharing the higher denomination chips.